| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £6,824 | £22,437 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | No approval gate | £5,749 | £21,362 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £4,875 | £20,487 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Baseline / Current Plan | No approval gate | £0 | £15,613 | Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Permitted | Approval required / Validator | -£687 | £14,926 | Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£1,101 | £14,512 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | No approval gate | £1,276 | £16,889 | Blocked by policy: Retail mileage overrun ceiling. | Blocked by Retail mileage overrun ceiling. |